Tampa Bay & Florida's Construction Financial Authority

You Did More Work This Year.
Why Isn't There More Money?

Many construction and trade companies lose thousands — and sometimes tens of thousands — of dollars annually to profit leaks they cannot see. The free Profit Leak Assessment is where we start finding them.

Dartmouth MBA
Enrolled Agent (EA)
Former CFO: $3M→$42M
Former COO: $30M→$265M
Former CFO: Pool Co. $40M+
"Where Did
The Money Go?"

If you have asked this question at the end of a year where you worked harder than ever before — you are in exactly the right place.

Find Out Where Your Profit Is Going →
One Discovery. One Meeting.

She Did $125,000 More in Revenue Last Year.

She Made Not One Additional Dollar of Profit.

An HVAC (Heating, Ventilation, and Air Conditioning) contractor in the Tampa Bay area had her best revenue year ever. But when the numbers came in, her profit was identical to the year before. Not one additional dollar.

Will departmentalized her books by service line. Equipment costs in change-out work were running six gross margin points worse than the prior year. Six of her eight vendor price lists had not been updated in nine months or more.

She had been selling at last year's prices with this year's costs — and had no way to see it until someone was actually looking at the right numbers.

$0
In Recovered Annual Profit
In one meeting. Not after months of work. One meeting.
Financial advisor pointing to profit leak discovery in contractor financial report
Will Abberger — Construction Financial Authority
Construction Financial Authority
Meet Your Guide

We've Seen What You're Going Through.
From the Other Side of the Table.

Will Abberger is not a bookkeeper who serves contractors. He is a former Chief Financial Officer (CFO) who keeps books — and the bookkeeping is how he gets inside a business and finds what the numbers are trying to tell you.

"I am probably the most overqualified bookkeeper in Florida. That is entirely the point."
🎓
Dartmouth MBA
Master of Business Administration
⚖️
Enrolled Agent
IRS Credentialed — EA Designation
📈
Former CFO
Construction: $3M → $42M
🏗️
Former COO
National Roofing: $30M → $265M
🏊
Pool CFO
Pool Company: $40M+
🔧
Civil Engineering BS
Understands the work, not just the books
Here Is Exactly What Happens Next

Three Steps to Financial Clarity

01

Take the Free Financial Health Assessment

3 minutes. 10 questions. Instant score across 6 dimensions of construction financial health. No appointment needed.

Start Assessment →
02

Book Your Profit Leak Assessment

One session. Will reviews your actual numbers. Finds the leaks. Shows you the dollar amount. No cost. No obligation.

Book a Free Profit Leak Assessment →
03

Run Your Business with Confidence

Weekly eyes on your numbers. CFO-level insight. Job costing. WIP reporting. The financial clarity your business deserves.

See Services →
Financial Partnership Levels

Choose the Level Your Business Needs

From foundational bookkeeping to full Chief Financial Officer (CFO) partnership — all built on Will's 40 years of construction and trades executive experience.

Tier 1
The Foundation
~$1,000–$1,500/mo
Best for: $500K–$1.5M annual revenue
Weekly bookkeeping — eyes on every transaction
Bank reconciliations — every account balanced
Basic job costing setup and monitoring
Monthly Profit & Loss (P&L) + Balance Sheet
Year-end CPA-ready package — no cleanup bill
Book a Free Profit Leak Assessment →
Tier 3
The CFO Partner
$4,000+/mo Custom
Best for: $5M+ annual revenue
Everything in Tier 2, plus:
Rolling 90-day cash flow forecasting
Retainage tracking and collection strategy
Bonding capacity financial management
Quarterly strategic planning sessions
Lender-ready financial reporting package
Book a Free Profit Leak Assessment →
A full-time internal Chief Financial Officer (CFO) costs $150,000+ per year — that is $12,500 per month. Your CFO Partner engagement starts at a fraction of that.
Free Financial Tools

Know Your Numbers Before Someone Else Points Them Out

Built from 40 years of construction CFO experience. No login required to use. Instant results.

🔍

Profit Leak Calculator

Estimate how much profit your construction business may be losing annually based on your revenue and margin profile.

Use Tool →
📊

Gross Margin Analyzer

Analyze your gross margin by service line and compare against Florida trade contractor benchmarks.

Use Tool →
👷

Labor Burden Calculator

Calculate your true fully-loaded labor cost — most contractors underestimate this by 25–40%.

Use Tool →
⚖️

Break-Even Revenue Calculator

Find out exactly how much revenue your trade business needs to cover overhead and reach profitability.

Use Tool →
📋

WIP Calculator

Calculate your Work in Progress (WIP) position — are you overbilled or underbilled on active projects?

Use Tool →

CFO Readiness Checklist

Score your financial infrastructure readiness across 20 items. Find out if your books are ready for growth.

Use Tool →
Eight Trade Verticals

Industry Focus Creates Financial Authority

Each trade has unique financial challenges. Generic bookkeeping misses them. Will's trade-specific expertise finds them.

AI-Powered Construction Finance Intelligence

Ask Morgan

The Construction Financial Authority AI — trained on Will's methodology, 40 years of construction CFO experience, and real Florida contractor financial data. Ask a financial question. Get a real answer.

Morgan — Construction Financial Authority AI
● Online — Trained on Will's 40 years of CFO experience
Hello. I'm Morgan — The Contractor's Bookkeeper's AI assistant, trained on Will Abberger's construction finance methodology. Ask me a financial question about your trade business. Try: "Why is my revenue up but profit down?" or "What should my gross margin be for an HVAC company?"

Morgan is for general informational purposes only and does not constitute professional financial advice. For advice specific to your business, book a consultation with Will Abberger.

Where the Money Was Hiding

Profit Recovery Stories

Real financial recoveries from real Florida trade contractors. The numbers do not lie.

HVAC company profit recovery — advisor reviewing financial documents
HVAC

Six Outdated Price Lists. One Meeting. $70,000 Found.

Revenue up $125,000 year over year. Profit unchanged. Will departmentalized the books by service line and found six vendor price lists that hadn't been updated in over nine months.

$70,000
Read Full Story →
General contractor at job site after financial recovery
General Contractor

$47,000 in Uncollected Retainage. Found in the First Review.

A general contractor had no retainage tracking system. Three active projects had retainage aging past 90 days with no collection process in place. First month engagement recovered it all.

$47,000+ Collected
Read Full Story →
Contractor reviewing financial analysis results
Pool Contractor

Two Projects. Same Scope. Very Different Margins. One Explanation.

A pool contractor couldn't understand why two nearly identical projects produced different profit results. Job-level cost analysis revealed an inconsistency in material markup on one project type.

Margin Recovered
Read Full Story →
Construction Financial Intelligence

The Questions Every Contractor Is Asking

Organized around how you actually think about your finances — not around accounting topics.

Cash Flow

Why Is Revenue Up But Profit Down?

The most common question Will hears from growing contractors — and the one with the most financially damaging answer if left unaddressed.

Read Article →
Job Costing

Why Did I Lose Money on This Job?

The job looked profitable on the bid. The work went smoothly. The invoice got paid. So why did the margin disappear? Job costing answers this every time.

Read Article →
Fractional CFO

What Is a Construction Financial Authority — and Do I Need One?

The difference between a bookkeeper, a CPA, a fractional CFO, and a Construction Financial Authority — explained in plain contractor language.

Read Article →
Tampa Bay & Florida Market

Serving the Full Tampa Bay Construction Market

Pinellas · Hillsborough · Pasco · Hernando · Manatee · Sarasota · Polk · Charlotte — and expanding statewide as capacity allows.

$10B+
Tampa Bay Annual Construction Market
8
Counties in the Expanded Service Area
23,000+
Florida Pool Permits Issued Annually
Florida Trade Contractor Financial Benchmark Report cover — annual research publication
Annual Research Publication

The Florida Trade Contractor Financial Benchmark Report

The only annual report measuring the real financial health of Florida's trade contractor market. Original data. Real benchmarks. Published annually.

Gross Margins by Trade
Labor Burden Benchmarks
Cash Flow Benchmarks
WIP Accuracy Data
Revenue Per Employee
Profitability Metrics
Download the Report →
Ready to Find Out?

You Shouldn't Have to Wonder Where Your Money Went.

Will Abberger has spent 40 years finding the financial answers that make construction and trade businesses more profitable. Book your free Profit Leak Assessment and find out what your numbers are trying to tell you.